Carnival of Debt Reduction #151
Welcome to this week’s Carnival of Debt Reduction! Since this is Carnival #151 here’s a debt reduction example based on a credit card payment of ... !) He also submitted an article on collection agencies. Art of the Coupon explains how debt can breed ... months and $8,675.29 in interest to be rid of that debt — more than what was owed to begin [more...]
Date: 2008-08-04 08:35:02
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Tips for the coming decade of frugality
I’m just about done with Peter Schiff’s new book The Little Book of Bull Moves in Bear Markets and the title of Chapter 11 is “A Decade of Frugality ... the live-a-raise-behind game. Put a savings shunt in place. Get rid of debt, especially variable-rate debt. I’ve started a series of debt reduction tips over at the Carnival of Debt Reduction [more...]
Date: 2008-12-29 05:33:23
Debt Reduction or Debt Elimination- Do the Words You Use Make A Difference?
If you’ve read Think Your Way To Wealth for any period of time, you’ve probably noticed that I use Debt Reduction and Debt Elimination fairly interchangeably ... or Debt Elimination. Now, I am not going to pull out Webster’s Dictionary here, but in my mind I find [more...]
Date: 2009-01-08 01:37:26
152nd Carnival of Debt Reduction
Welcome one and all to the 152nd Edition of the Carnival of Debt Reduction! I got a ton of submissions when I was worried about getting none ... the question every future parents considers in Should We Pay Off Credit Card Debt Before Having a Baby ... to choose their own debt payoff strategy in Figuring Out Your Financial Style 3: Debt Reduction [more...]
Date: 2008-08-11 13:00:20
How To Prioritize Your Debt Repayment Plan
Everyone knows that healthy personal finances requires debt reduction. However, paying down debt can become discouraging when you have a great deal of it, from a variety of sources. Paying a little bit extra every month on each of your debts doesn’t seem to make a dent, thanks to high interest charges. Instead, you can make more effective use of your debt repayment funds if you concentrate on retiring one debt at a time. This can also simplify matters and help you focus your efforts. [more...]
Date: 2009-09-24 01:03:28
debt reduction…
Debt can be a very stressful and even suffocating circumstance ... . Go to www.download.com and download a free program called the Debt Reduction Calculator for Excel 1.0; it will allow ... . Many people have no idea how to even go about tackling their debt and, consequently, their debt [more...]
Date: 2008-12-24 07:47:42
Patching up shortfalls can mean postponing retirement savings
This Michelle Singletary column on the Washington Post website has answers to a few readers’ questions regarding debt and debt reduction ... when the credit card balances start going up. I think this would especially hurt someone ... . And if there’s debt to be reduced, then this is even a stronger reason for not investing. [more...]
Date: 2008-12-27 04:59:43
Carnival of Debt Reduction: Summer Solstice Edition
Welcome to the 145th Carnival of Debt Reduction: Summer Solstice Edition! If this is your first time visiting Squawkfox, welcome! ... Bottom. If you ever wanted to know how bad payday loans can happen to good people, then give this heart-felt account a read. Find out how TooSmart is getting a handle on reducing his payday loan debt [more...]
Date: 2008-06-23 03:59:29
Ten Ways to Reduce Debt
by Michael Geoffrey Debt reduction requires good planning and great financial discipline. Here are ten steps that can reduce your debt: 1 ... a debt consolidation loan. If you are a member of a credit union you may find they offer better ... to encourage you to transfer your balances to their credit card. However, beware of missed or late payments [more...]
Date: 2008-11-24 22:33:22
National Debt Relief Stimulus Plan Fights Recession and Unemployment
The U.S. economy has lost 5.7 million jobs since the recession began in December 2007. This frightening loss, which heightening the $2.3 trillion consumer debt epidemic, incapacitated huddles of Americans to default on financial obligations to their creditors. Aiming to curb the unemployment crisis, DebtFreeLeague.com rolled out the National Debt Relief Stimulus Plan. The incredible debt reduction benefit couldn’t have arrived at a more opportunistic time. [more...]
Date: 2009-09-05 09:06:40
Impeccable debt solution
Debt management assuredly requires preeminent support. At budgetplanners.net people can get such a proficient support for debt consolidation ... preeminent debt reduction and settlement programs but also provide instructions to them ... . In this arena we can find experts in the credit counseling and debt management fields [more...]
Date: 2009-01-07 07:17:42
Debt Deluge - Modified Debt Snowball
I am a big fan of Dave Ramsey. I listen to his radio program and I’ve read all of his books. Dave made famous a specific debt reduction method - The Debt Snowball. From personal experience, I can verify that The Debt Snowball works - and I’ll be eternally grateful for Dave’s enthusiasm [more...]
Date: 2009-01-15 17:06:11
Weekend Review #1 - From a Ponzi Stock Market to Eating Healthy Without Being Wealthy
... as we don’t get lured into the traps set for us.Destroy Debt: Here is a detailed article which can help you create your own debt reduction plan, rather than asking advice from debt help (scam) company.My [more...]
Date: 2009-01-05 23:05:05
NEXT STEPS - A New Part Of The Crusade - Part 3
I am PUMPED about Next Steps, the newest division of IWBNIN ... you may need can be found on this page. Debt Reduction Tools Calculate your Debt Freedom Date and Actual Cost of Debt here. You can also use the Early Pay-Off Calculator to find out how much sooner [more...]
Date: 2008-10-29 08:00:29
If Personal Finance is Easy, Why Isn’t Everybody Rich?
Yesterday, MSN’s Smart Spending blog posted a version of my recent article about the dirty secrets of debt reduction (and what to do about them) ... , consolidate debt, use 0% offers, use the one credit card with a 0 balance as it is cheaper than cash. You’ll ... to get out of debt. Debt elimination involves three steps, I said: Stop acquiring new debt [more...]
Date: 2008-08-06 18:00:13
Free Debt Snowball Spreadsheet
Vertex42, a site devoted to Microsoft Excel templates, spreadsheets, and calendars, has posted a free debt snowball calculator ... into the worksheet. This file contains two worksheets: A debt reduction calculator, which allows you to list your debts, their balances, interest rates, and monthly payments. A payment schedule telling [more...]
Date: 2008-08-26 19:51:18
10 Steps To Escaping The Paycheck To Paycheck Cycle
For the first fifteen years of my adult life, I lived paycheck to paycheck ... , I realized that I was making enough money to begin my debt reduction. 4. I listed my creditors ... I’ve ever made was to fund this mini-emergency fund. Twice during my debt reduction process [more...]
Date: 2008-12-04 12:30:30
Going Down For 3rd Time?
One of the hardest things for parents to teach their kids is money management ... , you'll also learn the other four solutions to debt problems: • Credit Counseling • Debt Consolidation ... Bureau. If you're in over your head, Debt Relief can help with their Debt Reduction Program, also [more...]
Date: 2008-08-15 01:13:41
Families transform their finances in ‘U-Turn Challenge’
First Tech Credit Union is about to announce which households will be participating in its U-Turn Challenge ... participating families: Source and stability of income Type of debt Debt-to-income ratio Disposable income ... -determined categories: Debt reduction Savings increase Overall net worth increase Overall level [more...]
Date: 2009-01-15 11:21:05
On debt
Sometime ago I met a guy that tried to sell me a debt reduction program ... to allocate payments to serve any debt that I could have. Furthermore, he claimed this program ... a camera today, but you will have all the cash available in a few days. Fine, use the credit card [more...]
Date: 2008-12-13 19:07:00
Financial Statement Basics - Overview
The Only difference between Rich and everyone else is that, Rich know how to read Financial Statements and how to analyze them ... , Reducing expenses, Debt reduction, Credit card debt elimination, Spend less than you earn and every [more...]
Date: 2009-01-13 17:24:00
Festival of Frugality
Welcome to the 159th edition of the Festival of Frugality ... , Too! posted at The Smarter Wallet. Raj Patel presents Making Debt Reduction Your Goal for 2009 ... . Scott Crawford presents DebtGoal » Blog Archive » 9 Steps to Achieve New Year’s Debt Reduction [more...]
Date: 2009-01-06 10:47:01
What is Debt Reduction Credit Card Consolidation?
Amazon.de Widgets Credit cards, some would say, have created a massive debt issue, leading to an increase in the number of people using credit card consolidation and various other forms of debt management. The introduction of credit cards has, without question, been a success story for the financial institutions as the convenience factor has basically pushed the use of paper money into the modern day equivalent of the dark ages!It seems there is nothing we cannot buy with plastic nowadays but, [more...]
Date: 2009-09-22 21:07:25
Debt Reduction Methods and Philosophies: Snowball, Avalanche and More
When someone who has accumulated debt across a number of credit cards embarks on the journey to rid himself or herself of this debt, and when that person is generating enough monthly income to cover all expenses and the minimum payments due on all cards with additional funds left over, there are two main philosophies describing the best way to achieve this goal. Although all approaches are good, there is no question where I stand on this issue. [more...]
Date: 2009-05-29 11:00:32
Debt Management Services - Helps in Making an Aura without Debt
Given a choice that we have to choose debt or free life, there’s none who will go for debt simply because it’s taxing ... not to indulge yourself in any more unnecessary debt. Also, reduction in credit card and store card use ... a perfect debt management program also becomes an essential task and in this, debt management services [more...]
Date: 2008-12-19 05:09:00
Weekly Carnivals and Roundup
This week I participated in multiple carnivals. Also next Monday I’ll be hosting the carnival of Twenty-Something Finances ... when consolidating your credit cards“. Rich Credit Debt Loan talks about “Resisting Panic: A quick ... of Debt Reduction 38th Carnival of Money Hacks 4th Book Review Carnival Investing Carnival Remembrance [more...]
Date: 2008-11-14 17:00:48
Learn More About Avoid From Being Bankrupt
The Individual Voluntary Arrangement which provides an opportunity for the debtor struggling with unsecured debts to make a payment proposal to ... is one of the most efficient debt reduction systems that are very popular in UK. The advantages of Individual ... and consumer debt is one of the main problems faced by most of the families in UK today. Hence [more...]
Date: 2008-12-25 10:50:20
Read More Information About IVA inside this Blog Publication
One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]
Date: 2009-09-27 21:55:32
My Debt Snowball
Until now, I have not really had any concrete debt reduction plan. I have just been making random extra payments on each card as I get the money ... . I entered all of my credit card information and used $1600 as my total monthly payment towards ... their debt. I decided to do some research on this and set one up for myself. The idea behind [more...]
Date: 2008-07-22 21:34:32
OMG Obama's Spenders Need a Debt Reduction Counselor, Says ND Democrat
There's nothing funny about OMG Obama's spending habits but this is pretty hilarious. Laugh while you can, bitches. Save them, Byron Dorgan! NPR : The Federal Reserve said Friday it's drafting a plan that, for the first time, would police compensation for investment bank employees. Fed would try to encourage long-term investment strategies over short-term risk-taking by financial institutions. President Obama has urged Congress to pass tougher regulations on the financial industry. [more...]
Date: 2009-09-22 17:00:00
Weekend Edition: 1-10
Random Observations Kudos to Esquire magazine for picking Gerard Baker as the “headliner” from South Dakota when it sought “wisdom and advice” from ... . Rushmore National Memorial. Further displaying my ignorance in economics, why is reduction in consumer debt a bad thing? Or are we just so locked into being a debt-based economy there’s no way [more...]
Date: 2009-01-10 17:09:44
Personal Finance Hard Truth Week in Review – It’s Almost Over Edition
The campaign is in its final days. I expect we will have six months or so before the next group of presidential wannabes begins making noises about ... of Debt Reduction and my post on Shouldn’t We Burn Credit Cards in Protest? Oh - that candy your kids ... a website that includes their amazing tax saving calculator. Apparently, you input your income [more...]
Date: 2008-11-01 13:34:12
Viva Las Vegas!
Today, I’m flying out to Las Vegas for my sister-in-law to be’s bachelorette party. This is the first time I’ve been on a plane since we started our debt reduction plan last year. Sure I could stay home and skip the expense, but it means a lot to me to be a part of the events leading up to her marriage to my brother. I promise to be good. Have a good weekend. [more...]
Date: 2009-09-18 10:00:11
Link Roundup: Two-dollar bill edition
A week ago I was able to get twenty-three $2 bills at our credit union. They had been in my wallet but I asked my wife if she wanted one ... in debt. (One dollar at a time!) Five Cent Nickel keeps watch on mortgage rates and opportunities ... again. (You won’t find a more supportive debt reduction coach.) Being Frugal gets back to basics: “ [more...]
Date: 2009-01-15 08:10:35
Debt Reduction
In these testing economic times it is important that we manage our debt and our cash & liquidity positions prudently and judiciously ... and with distinction to be a credit counseling and debt consolidation agency. The company provides ... . You may also use debt consolidation as a mechanism to consolidate all your debt into one single EMI [more...]
Date: 2009-01-09 21:34:00
Debt Free Living, Cheap Family Meals, Used Kids’ Clothes @ The Roundup
Announcements I had my first article published at Wise Bread, where I share some basic investing tips for any market. I hope you’ll check it out! [ ... Carnival of Financial Planning Carnival of Debt Reduction Carnival of Money Stories Carnival of Personal ... : 20 Things That Rock About Being Debt Free Lazy Man and Money: How To Be Successful in the [more...]
Date: 2009-01-07 20:27:10
Best Guidebook to How To Avoid From Being Bankruptcy
The Individual Voluntary Arrangement which provides an opportunity for the debtor struggling with personal loans or debts to make a payment proposal ... and consumer debt is one of the main problems faced by most of the families in UK today. Hence it’ ... is one of the most efficient debt reduction systems that are very popular in UK. The advantages of [more...]
Date: 2008-12-23 09:39:46
Secondary Sources: More Than Stimulus, Fed Balance Sheet
A roundup of economic news from around the Web. More Than Stimulus: Martin Wolf of the Financial Times writes that stimulus alone won’t save the U.S ... . The U.S. cannot afford years of painful debt reduction in the private sector — a process that has still ... more fiscal recapitalization or debt-for-equity swaps. It also means the mass bankruptcy of [more...]
Date: 2009-01-14 17:00:00
Can we pay for all these hamburgers?
Our position isn’t as dire as other nations might be. This was a helpful article: So what’s the moral of the story? ... , getting our debt burdens down will hinge on Obama’s and Congress’s willingness to confront the looming ... The Obama administration should not focus on debt reduction now, which could actually undermine [more...]
Date: 2009-01-15 21:10:54
A Sign of the Times - Hyundai Assurance
I just caught a commercial on TV. Hyundai is offering a different kind of “assurance” program ... as a way to sell cars…well, I guess it’s a sign of the times. Random PostsA Dream or Debt?A Very ... ShopperDebt Reduction Strategies that Work, Being Abnormal and Paying Off a Mini CooperConsumer Debt vs [more...]
Date: 2009-01-16 03:02:28
Study More About How To Keep Away From Being Bankruptcy
The IVAwhich provides an opportunity for the debtor struggling with personal loans or debts to make a payment proposal to their creditors is a ... systems. IVA is one of the most efficient debt reduction systems that are very popular in UK ... to people to avoid bankruptcy. The personal and consumer debt is one of the main problems faced [more...]
Date: 2008-12-26 04:55:47
Financial Ramblings
Here’s what caught my attention this week: Frugal Dad explains the life cycle of a purchase ... of investing is giving you some tips on that. Find out about the catch behind debt reduction and elimination program at The Simple Dollar. Credit Tool Box explains in which situation you should choose [more...]
Date: 2009-01-10 10:00:06
Find Out More Information About IVA inside this Blog Post
The main advantage of the debt management companies is that they have the experienced in negotiations agents who are well aware of the ways that allow to make good deals with the credit lenders in order to arrange the debts of a client for less than the entire sums. This service comes usually instead of paying the money back in an entire amount. The reduction of the whole amount of debts in such a way is very good idea and it can really help you to avoid much stress. [more...]
Date: 2009-09-25 02:39:32
Daily Links: Christmas Vacation Edition
Thanks to your fellow Get Rich Slowly readers, I’ve amassed enough guest posts to take a short break ... , debt reduction, and smart personal finance. Before I slip into the background, however, here ... . Kris and I are especially worried about the plumbing in our hundred-year-old house. At The Simple [more...]
Date: 2008-12-17 00:00:50
Dandelion Salad By Paul Craig Roberts 10/06/08 “ICH” America has become a pretty discouraging place ... , social programs, and national debt reduction. However, without the Soviet Union as a check ... office. It was in 2000 that derivatives and credit default swaps were excluded from regulation [more...]
Date: 2008-10-07 02:29:39
Reduce debt
Is reducing debts possible? Absolutely, it is! Debts can give someone a stressful life but with the help of an approved company, ... today and have a DEBT REDUCTION. They have the best credit counselors which will be at your side ... one will be aided in his way to a debt free life. To all clients who are experiencing a problem [more...]
Date: 2009-01-12 03:12:05
The Best of Get Rich Slowly: September 2008
September was a sort of unofficial “credit card education month” around here. I tried to share information about how to use credit responsibly. (Now maybe it’s time to move on to debt reduction themes!) Most of all, there were some great ... ? (a fantastic discussion) Best of the Forums Though I didn’t have time to hang out there, the Get Rich [more...]
Date: 2008-09-30 20:00:17
The Dirty Secrets of Debt Reduction (and What to Do About Them)
When I was a sophomore in college, I got my first credit card. I thought it was awesome — it was like free money ... to pay off debt. I was arrogant. I believed this advice didn’t apply to me. But then my car broke down ... , and then paused my debt elimination plans for a few months in order to stash $1,000 in the bank [more...]
Date: 2008-07-17 12:00:34
Bogus and Scam Credit Counseling Groups Become Target Of Florida Legal System
TALLAHASSEE, FL - Attorney General Bill McCollum today unveiled his office’s latest consumer protection initiative in the form of a coordinated ... , all of which were purportedly offering debt relief services including credit counseling, credit repair, debt management, and credit card rate reduction services. “As more Floridians facing financial [more...]
Date: 2008-10-21 05:39:01
The Personal Finance Secrets “They” Don’t Want You to Know About
I get asked to review all sorts of crazy personal finance books, plans, programs, and schemes all the time, ... and negotiate lower rates (or in some cases a balance reduction), adopt a very strong debt repayment ... you attempt to buy your bad debt from the creditor (and then obviously dismiss it), but the legal [more...]
Date: 2008-08-30 17:00:11
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